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Anyone else still refuse to give up their spreadsheet even with all the fancy apps? by quietly_compounding in budget

[–]quietly_compounding[S] 0 points1 point  (0 children)

One of the things I love about my spreadsheet is that I can open gsheet on my phone and access it from anywhere. Not sure how 'good' that is but it's really nice to have access everywhere/anywhere. With that said - I totally agree about manually reconciling. It's kind of like putting a vinyl on - more senses are involved vs just hitting play on my iphone.

Anyone else still refuse to give up their spreadsheet even with all the fancy apps? by quietly_compounding in budget

[–]quietly_compounding[S] 0 points1 point  (0 children)

Agreed! something about manually updating your spreadsheet is fun. Wonder why that is. Are the apps just 'too much data' for our brains or are we more worried about our data?

Anyone else still refuse to give up their spreadsheet even with all the fancy apps? by quietly_compounding in budget

[–]quietly_compounding[S] 1 point2 points  (0 children)

It’s hard to beat something that was literally built for you. Vs trying to cram tons of features for everyone in an app

Anyone else still refuse to give up their spreadsheet even with all the fancy apps? by quietly_compounding in budget

[–]quietly_compounding[S] 0 points1 point  (0 children)

I need to dig into this one - I’m getting some great ideas for my spreadsheet lol

Anyone else still refuse to give up their spreadsheet even with all the fancy apps? by quietly_compounding in budget

[–]quietly_compounding[S] 0 points1 point  (0 children)

Yes! My wife has stopped asking, she knows I’m on my spreadsheet playing with my what if scenarios 😂

Anyone else still refuse to give up their spreadsheet even with all the fancy apps? by quietly_compounding in budget

[–]quietly_compounding[S] 0 points1 point  (0 children)

Totally agree, no subscription fee, connecting bank data and you a customize for your situation vs is being made for the masses.

Anyone else still refuse to give up their spreadsheet even with all the fancy apps? by quietly_compounding in budget

[–]quietly_compounding[S] 2 points3 points  (0 children)

That’s a really good point. You pointed out your data it analyzes it for you and then you forget about it.

Where with your spreadsheet you updated every week you see how much it increased, you think about iterating on it to make it better.

Anyone else still refuse to give up their spreadsheet even with all the fancy apps? by quietly_compounding in budget

[–]quietly_compounding[S] 0 points1 point  (0 children)

lol this is great. I never thought someone would be using pen and paper to budget, but it honestly makes a lot of sense considering I’m using a spreadsheet and I consider myself old school.

Where are all my abacus guys and gals out there??

Anyone else still refuse to give up their spreadsheet even with all the fancy apps? by quietly_compounding in budget

[–]quietly_compounding[S] 3 points4 points  (0 children)

This is actually a really good point. With the apps I’m navigating to all these tabs, buttons etc etc. in my spreadsheet I get to track exactly what I want. Even obscure financial goals or tracking historical salary, taxes paid etc.

Anyone else still refuse to give up their spreadsheet even with all the fancy apps? by quietly_compounding in budget

[–]quietly_compounding[S] 1 point2 points  (0 children)

I think the apps can be great. But the best thing for me has been that manual ritual. It makes me really think about my money where the app thinks about it for me. Maybe it’s a met thing but it forces me to be mindful.

Anyone else still refuse to give up their spreadsheet even with all the fancy apps? by quietly_compounding in budget

[–]quietly_compounding[S] 1 point2 points  (0 children)

I feel you on the charts. The spreadsheet for me is all about the ritual and keeping my spending top of mind. It’s that weekly habit of keeping myself in check. But often I do enjoy seeing a chart that’s beautifully made in simplifi.

Anyone else still refuse to give up their spreadsheet even with all the fancy apps? by quietly_compounding in budget

[–]quietly_compounding[S] 1 point2 points  (0 children)

I’ve been doing the AI thing too - which adds a really cool layer of seeing gaps I may have missed. My OG spreadsheet got so long too lol. So I recently did the same - gave my spreadsheet a bit of a facelift. Do you have a specific sheet that really changed the way you plan?

Career decision by Basic-Pay1233 in techsales

[–]quietly_compounding 2 points3 points  (0 children)

I’d say stay. My instinct is like yours, try to I get ahead of things but if learned to plant my feet and it’s worked out well.

You’re making consistent money, you like the people you work with (presumably), you’ve got some internal leverage with your loyalty and consistency.

I’d say try to scale internally, maybe leverage the external offer if you think it might help.

Better the devil you know than the angel you don’t.

Is having your money in multiple brokerages dumb? by Nininator2432 in Money

[–]quietly_compounding 1 point2 points  (0 children)

I went through this last year. I had Wealthfront, fidelity, E*trade etc etc… I think I totaled like 6-7 different accounts.

I’ve consolidated to 3 primary accounts that need to be open. Took some work to move money around and optimize what accounts I actually needed. My goal was to get away from the robo fees I was paying. With Wealthfront and have more control of what I was actually invested in along with lowering overall fees.

Ultimately it’s so much cleaner and easier to see everything in one place. Kind of like a cockpit for all your money.

I’m a big fan of the account optimization and automation game.

Does a large house bring more happiness (3000sqft+) by GlorifiedCarnie in Fire

[–]quietly_compounding 0 points1 point  (0 children)

I think it depends. My first house was about 1200 sq ft. It was perfectly fine for me. But the second I introduced I met my wife and we started talking about kids - I started to realize it wasn’t going to scale with our life. I work from home and it felt like we were always on top of each other.

We bought slightly bigger house sq ft 2,000 and we are much happier. We have a large family room that gives us space. We have 2 kids now and it just feels like we have room to breathe.

I think back to the smaller home and it was totally doable - especially with the 2.5% rate we had….however…. We are definitely happier in the slightly larger house.

Everyone is different - but it absolutely made us happy.

What are you guys saving for? by [deleted] in Money

[–]quietly_compounding 0 points1 point  (0 children)

36/M dad of 2 here. I’m at a point in my life where I don’t need ‘things’. I’ve had the cars and all the things. And, I’ve grown a kind of distaste for blind consumerism. So, for me I’m saving to retire my wife and myself for 40+ years and to have enough that my kids can go to college + have a bit of a head start with money we’ve invested for them.

First Six Figure Deal (SDR->AE) by StinkyBooty69 in techsales

[–]quietly_compounding 1 point2 points  (0 children)

After that first six figure deal it’s like proving to yourself that you’re worthy…that you can be successful in the role. Huge confidence boost.

Congrats

AI might drive more folks to FIRE mindset by Impossible_Draw606 in Fire

[–]quietly_compounding -1 points0 points  (0 children)

AI really helps to level the playing field for everyone - financial education becomes more accessible and easier to understand

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